Dime Q4 GAAP loss $22.2M (-$0.54/sh); adjusted EPS $0.42; NIM expands to 2.79%

Dime Community Bancshares, Inc. /NY/

2024-FY EPS reported $0.55 revenue$16,725,000

Q4 net loss available to common $22.2M ($0.54 diluted EPS) vs $11.5M income ($0.29) in Q3; full-year EPS $0.55 down from $2.29.
Adjusted net income $17.4M, adj. EPS $0.42, up 45% linked quarter; NIM expanded 29bp to 2.79%.
Deposits grew $268.8M linked quarter; core deposits up $513.4M; average noninterest-bearing deposits 30% of total.
Completed $135.8M common equity offering in Nov 2024; CET1 ratio rose to 11.07%; book value $29.34.
Credit loss provision $13.7M vs $11.6M prior quarter; NPLs flat at $49.5M; adjusted efficiency ratio 58.0%.

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